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Loan Calculator

Simulate personal loans with fixed installments. See interest, total effective cost and total amount. 100% free.

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Loan Calculator — Calculate Your Installments

The Loan Calculator is a free online tool that computes your monthly installment, total interest paid, and total amount repaid for a loan based on the principal amount, annual interest rate, and loan term. Whether you are considering a mortgage, car loan, personal loan, or student loan, this calculator gives you the numbers you need to make an informed financial decision — instantly and with no registration required.Enter the loan amount (principal), the annual interest rate, and the loan period in months. The calculator applies the Price table (PMT formula) for fixed installments, showing the monthly payment, total amount paid over the life of the loan, and the total interest cost. The detailed amortization table breaks down each monthly payment into principal and interest components, showing exactly how much of each payment reduces your balance versus how much goes to the lender as interest charges. This visual breakdown reveals how interest front-loads in the early payments and diminishes over time.Home buyers compare mortgage options from different banks. Car buyers evaluate financing terms before visiting the dealership. Students plan education loan repayment. Small business owners assess the cost of business loans. Financial advisors illustrate loan costs to clients. The calculator also lets you compare different scenarios by adjusting the term or rate, instantly showing how a longer term reduces monthly payments but increases total interest.Loan Calculator is part of the facilita.tools suite of free financial planning utilities. Available in Portuguese, English, and Spanish, optimized for desktop and mobile.

Frequently Asked Questions

What is the difference between Price and SAC?
In the Price system, installments are fixed. In SAC, installments start higher and decrease over time because the amortization is constant.
Is the interest rate monthly or yearly?
The calculator uses a monthly interest rate. If you have a yearly rate, divide it by 12 to get the monthly equivalent.
Can I compare different loan terms side by side?
You can run the calculator multiple times with different terms (e.g., 12, 24, 48 months) and compare the total cost. A shorter term means higher monthly payments but significantly less interest paid overall.